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Do you have an illness or medical condition that has impacted your ability to work? If so, you may be eligible to make an insurance claim. This includes depression and other mental health conditions that prevent you from working and earning an income.
Total and Permanent Disability (TPD) insurance covers not only physical injuries but also mental health conditions that make it impossible to continue in your usual occupation. These policies may include cover for TPD claims and can also provide salary continuance or income protection if you are unable to work due to illness or injury.
Many superannuation accounts include insurance cover, with premiums automatically deducted to fund these policies. These insurance benefits are funded through deductions from your superannuation account and are separate from the compulsory employer contributions made to your super. In addition, some individuals may also hold private insurance policies outside their superannuation.
TPD insurance is one of the most common types of cover within superannuation. This is the policy you would rely on if you need to make a TPD claim.
A TPD claim is designed to provide a lump sum payment if you are unable to return to work or can no longer perform a role suited to your training, skills, or experience. If you meet the definition of TPD outlined in your policy, you may be entitled to receive a payout.
The TPD Claims Process for Mental Health
- Locate all the superannuation accounts you had at the time you stopped working, along with any new ones
- Contact the superannuation fund to find out if you had insurance policies in place at the time you stopped working
- Analyse the policy terms to determine if you are eligible
- Lodge a claim and gather evidence and reports to verify that you meet the eligibility test in the policy
TPD Claims Frequently Asked Questions
What Mental Health Conditions Can Be Covered by a TPD Claim?
You may be able to make a TPD (Total and Permanent Disability) claim if you have a mental health condition that stops you from working. To qualify, the condition must be diagnosed and serious enough to affect your ability to do your job.
Some common mental health conditions that may be covered include:
- Depression
- Bipolar disorder
- Anxiety
- Post-traumatic stress disorder (PTSD)
- Schizophrenia
- Obsessive-compulsive disorder (OCD)
- Schizoaffective disorder
How Do I Find My Superannuation?
We can assist you with this. However, you can also contact the Australian Tax Office to find out where your superannuation accounts are located. Alternatively, you can also log onto my.gov.au and link the ATO to your account.
How Long Does a TPD Claim Take?
Once we send your TPD claim for a mental health condition to your superannuation insurer, most cases are finalised within about three to six months. However, if the insurer asks for extra details or decides to investigate further, it could take longer.
At Evolve Legal, we focus on insurance claims and have experience working with all the major disability insurers. We understand what they need and how their processes work , which helps us move your claim along as smoothly and quickly as possible.
What is a Salary Continuance or Income Protection Claim?
Income protection policies are made to support you with regular payments if you are unable to work due to illness or injury.
Usually, these payments cover a portion of your usual income, often around 75-85% percent of what you were earning before you stopped working. Most policies also include a waiting period before payments begin.
The length of time you receive payments depends on your policy. Some only last for a couple of years, while others may continue until you reach a certain age, like 65.
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